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Simple! Fast! Easy!

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binta
26 diapositives · 415 Views · Aug 16, 2014

Discover United Home Life, located in downtown Indianapolis, where we offer simple, fast, and easy life insurance products without all the hassles. Founded in 1948 and a member of United Farm Family Insurance since 1997, we provide a strong presence in the simplified issue market across 43 states and D.C. Our innovative products feature quick policy issuance, liberal underwriting, and daily commission payments. With our Total Protection Series 3, including Express Issue Whole Life policies, we cater to clients with various health profiles while ensuring peace of mind for the future.

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  1. Simple! Fast! Easy! Life Insurance Products Without All The Hassles!

  2. United Home Life Located in downtown Indianapolis, IN

  3. We are CONNECTED!

  4. United Home Life • United Home Life • Founded in 1948, member of United Farm Family Insurance Companies since 1997. • United Farm Family Life (IN) is the parent company. • Rated A (Excellent) by A.M. Best • UHL is Rated A- (Excellent) by A.M. Best • Upgraded June 2008 • 3 upgrades in past 10 years • Demonstrates sound financial condition for UHL

  5. United Home Life • Strong presence in simplified issue market. • 18 straight years! = stability • Here yesterday, here today, here tomorrow.

  6. Where We Do Business • 43 states and D.C. • States Excluded • Alaska • Massachusetts • New Hampshire • New York • North Carolina • South Dakota • Wyoming

  7. Simple, easy applications Innovative products Accept faxed applications App may be taken over the phone Draft the initial premium Commissions paid daily 9-month annualization available Deal direct with Home Office Liberal underwriting – Standard to Table 16 Mid-west friendly service Quick policy issue – 5 days or less Sales Contests – Easy to win! We want to be your Company of Choice for Non-Med Sales

  8. Total Protection Series 3 Final Expense Whole Life Portfolio

  9. Total Protection Series 3 • Features 3 whole life policies on a single, short-form, 3 in 1 application. • Express Issue Whole Life (Graded Benefit) • Express Issue Deluxe • Express Issue Premier • Non-Medical, Simplified Issue • Application covers wide-range of underwriting from Graded Benefit toalmost Standard. • Application is a “stack” application. The more questions answered “no” the better the policy and rate.

  10. Total Protection Series 3Express Issue Whole Life • Graded Death Benefit Policy • Perfect for clients in poor health – Up to Table 16 issued Standard • Premiums just reduced by as much as 20%! • Graded death benefit during first 2 years - full death benefit in year 3 • Immediate DB yrs 1 & 2 if death by accident • 4 Riders included free of charge if face amount at least $10,000. • Inflation Guard Benefit • Identity Theft Benefit • Extended Hospital Stay Benefit • Common Carrier Accidental Death Benefit • PHI (can done be point of sale)

  11. Total Protection Series 3Express Issue Whole Life Graded Benefit Specs • Ages 25 to 80 (45 to 80 in CA) • Face Amounts range from $2,000 to $50,000 • Death in 1st Year = Return of Premium plus 12% interest. • Death in 2nd Year = Return of Premium plus 24% interest.

  12. Total Protection Series 3Graded Benefit Free Riders • Inflation Guard Benefit • Face amount increases 5% every five years for the first 20 years of policy (simple interest). • Identity Theft Benefit • Identity stolen, company will waive 3 months of premium • Must provide documentation • Extended Hospital Stay Benefit • Waive 3 months premium if client is hospitalized 20 consecutive days or more. • Common Carrier Accidental Death Benefit • Death Benefit doubles if client dies in public transportation (i.e. Bus, Plane, Train, Taxi).

  13. Total Protection Series 3Express Issue Deluxe • Immediate death benefit • Up to 8 Tables considered standard • Good for clients who have some health issues (including insulin-dependent diabetes) • Accidental Death and Child Riders available. • PHI required (can be done point of sale)

  14. Total Protection Series 3Express Issue Deluxe Express Issue Deluxe Specs • Ages 20 to 80 • Face Amounts Range from $5,000 to $50,000

  15. Total Protection Series 3Express Issue Premier • Immediate death benefit • Up to 4 Tables issued standard • Good for clients in better health but don’t want to go through full underwriting • Accidental Death and Child Riders available • PHI Required (can be done at point of sale)

  16. Total Protection Series 3Express Issue Premier • Express Issue Premier Specs • Ages 20 to 80 • Face amounts up to $100,000 • Ages 20 to 60 = $5,000 up to $100,000 • Ages 61 to 80 = $5,000 up to $50,000

  17. Total Protection Series 3 - Health Questions

  18. Not a true “Yes/No” Application. Minor health issues that should have a “yes” answer may be covered. Place provided on application to disclose matters to underwriting. Total Protection Series 3Application Extras

  19. Total Protection Series 3Application Extras • What “yes” conditions may apply? (Example)

  20. UHL vs. Chesapeake Life Graded Death Benefit(EIWL)Price Comparison

  21. Total Protection Series 3The “Sweet” Spots • TWO year Graded Benefit • Minimum issue age is age 25(20 for Deluxe/Premier) • Issue up to $50,000, even on the graded benefit policy & even for issue age 80! • Simple 3-in-1 Application! • No Product Mix Requirement! • FREE EXTRA BENEFITS – UNIQUE to UHL ONLY Inflation…Identity Theft…Extended Hospital Stay….Common Carrier Accidental Death

  22. The Underwriting and Commission Processes From Submission to Issue

  23. Applications may be submitted by fax or mail. PHI Point of sale PHI will make issue time faster! If not point of sale, underwriter will order and pend for its completion. M.I.B. and drug database check. If clean application and PHI done at point of sale: Policy should be issued within 5 days of receipt. If not clean application: Additional information may be requested (i.e. APS). Issue time will increase and commissions may be delayed until all information is received. The Underwriting Process

  24. When submitting application for policy by fax: Include all requested banking information Completely fill out authorization form on application When submitting application for policy by mail: Include check or money order in the amount of premium needed. Commission will be paid out the fastest if the above requirements are met. Commission will be paid out after a policy is issued and premium is applied to the policy. What may cause commission payment to be delayed? Client requests not to draft premium until specified date. Policy is issued C.O.D. Banking information is not received upon submission of application. Check or money order is not received at the time of application submission. In most cases, the commission may not be paid out until two days after we receive premium payment and the premium is applied to the policy. The Commission ProcessHow To Get Commission Paid Faster!

  25. Sales Contests! • 4 Sales contests per year (1 every quarter) • The more you sell, the more you get! • 13 paid applications earns $500 cash or gift certificate. • 26 paid applications earns 4 day/3 night vacation plus $500 • 39 paid applications earns TWO 4 day/3 night vacations plus $1,000 • Destinations include San Francisco, Ft. Lauderdale, New Orleans, and Cancun. Annual Premium must be at least $300 to count towards sales contest. Applications must stay in force 2 months to count towards sales contest.

  26. One of the most Competitive and Unique FINAL EXPENSE Portfolios in the Industry! Easy Applications! Apps may be taken over the phone! Draft initial premium! No Product Mix Required! Deal Direct with the Home Office! Most UniqueGraded Benefit Product w/Special Features Commissions paid daily! Fully commissionable policy fee! 5-day Issue! Sales Contests! Simple…Fast…Easy! Final Thoughts… Allow us to EARN your business!